ITDJ vs QQQ
iShares LifePath Target Date 2070 ETF vs Invesco QQQ Trust, Series 1
Quick Verdict
ITDJ has a lower expense ratio. QQQ delivered stronger 1-year returns. QQQ offers more diversification with 103 holdings.
Side-by-Side Comparison
| Metric | ITDJ | QQQ | Winner |
|---|---|---|---|
| Expense Ratio | 0.12% | 0.18% | |
| AUM | $15M | $455.8B | |
| Dividend Yield | 1.25% | 0.41% | |
| Holdings | 8 | 108 | |
| YTD Return | +15.20% | +19.68% | |
| 1Y Return | +23.70% | +26.75% | |
| 3Y Return (annualized) | - | +26.25% | |
| 5Y Return (annualized) | - | +15.39% | |
| Volatility (annualized) | 11.9% | 30.6% | |
| Max Drawdown | -16.6% | -83.0% | |
| Fund Family | iShares by BlackRock (US) | Invesco (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Nov 12, 2024 | Mar 10, 1999 |
ITDJ vs QQQ Performance
iShares LifePath Target Date 2070 ETF (ITDJ) is a ETF from iShares by BlackRock (US) and Invesco QQQ Trust, Series 1 (QQQ) is a ETF from Invesco (US). Over the past year ITDJ returned +23.70% while QQQ returned +26.75%. Year to date, ITDJ is up 15.20% versus a gain of 19.68% for QQQ.
Risk: Volatility and Drawdowns
QQQ has been the more volatile fund, with annualized monthly volatility of 30.6% compared with 11.9% for ITDJ. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -16.6% for ITDJ and -83.0% for QQQ. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.85. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
ITDJ charges 0.12% per year while QQQ charges 0.18%. On a $10,000 position that is $12 vs $18 annually, a gap of $6 per year that compounds over a long holding period. On income, ITDJ currently yields 1.25% against 0.41% for QQQ.
Holdings Overlap
ITDJ and QQQ share 0 holdings out of 110 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, ITDJ or QQQ?
ITDJ has an expense ratio of 0.12% while QQQ charges 0.18%. ITDJ is the cheaper option. On a $10,000 investment, that is $6 per year of difference.
Which performed better, ITDJ or QQQ?
Over the past year ITDJ returned +23.70% vs +26.75% for QQQ, so QQQ leads on 1-year performance. Over the longest common window we track (2 years), ITDJ annualized +20.74% vs +13.15% for QQQ. Past performance does not guarantee future results.
Which is riskier, ITDJ or QQQ?
QQQ has been the more volatile fund at 30.6% annualized versus 11.9% for ITDJ. Worst drawdown: ITDJ -16.6% vs QQQ -83.0%.
Should I hold both ITDJ and QQQ?
ITDJ and QQQ have a monthly-return correlation of 0.85, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between ITDJ and QQQ?
ITDJ and QQQ share 0 common holdings with a 0.0% weight overlap. Combined, they hold 110 unique securities.
Which pays a higher dividend, ITDJ or QQQ?
ITDJ yields 1.25% while QQQ yields 0.41%, so ITDJ currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.